Did you know you could receive cash for your life insurance policy?

The policy you've maintained may have value for today.

Your life insurance policy belongs to you and can be a meaningful asset. After years of keeping it in place, life may look different now. If the policy is eligible, a settlement could provide cash during your lifetime to support healthcare costs, living expenses, retirement plans, or other priorities.

Whether to explore selling it is your choice. A life settlement is a state-regulated way to sell an existing policy to a third-party buyer where available. Our Time is a marketing company that explains the option; a licensed affiliate handles any regulated review and the terms of an actual offer, if one is available. There is no obligation to sell.

Life insurance is your personal property.

A life settlement is the sale of an existing life insurance policy to a third-party buyer for a cash payment. As the owner, you can decide whether to explore selling your policy, subject to its terms and state law. If a sale is completed, the buyer generally becomes the policy owner, pays future premiums, and receives the death benefit. An offer is not guaranteed.

Why consider selling your life insurance policy?

Selling your policy is a personal decision. These are four common reasons people explore a life settlement. You can include family or trusted advisers as you consider what fits your life.

• Premiums no longer fit your budget: If keeping coverage has become difficult, you may want to explore whether an eligible policy has a settlement option before surrendering it or allowing it to lapse.
• Support your retirement plans: If your retirement goals have changed, a completed sale of an eligible policy could provide funds to support the priorities you have now.
• Help with healthcare or other expenses: Some owners explore a settlement to help with healthcare costs, everyday expenses, or other needs. Any payment depends on an actual offer.
• Coverage no longer matches your needs: As family or estate plans change, a policy may no longer serve its original purpose. A settlement may be one option to consider, including its effect on beneficiaries.

Could I qualify to sell my life insurance policy?

Your policy may be worth a closer look. A licensed affiliate considers several factors together to see whether a sale might be possible. These are common starting points, not a pass/fail checklist.

• Policy death benefit: Policies with a death benefit of $100,000 or more are often considered. Smaller policies may also be reviewed in some circumstances; the face amount is not a settlement payout.
• Insured age and health: The insured is often 65 or older, but age alone does not decide eligibility. Health information, if needed later, is reviewed only with your permission—not in this website form.
• Policy type and terms: Whole and universal life policies and some term policies may be considered. Premium costs, conversion rights, and contract details can affect buyer interest.
• State and policy rules: How long the policy has been in force, applicable state law, insurer details, and other restrictions may also affect whether a sale is possible.

Our Time is a marketing company that helps you understand this option. A licensed affiliate handles any regulated review and explains an actual offer if one is available. This page does not calculate a policy value or determine eligibility.

From the first look to your decision.

1. Share general contact and policy details in a one-step inquiry. If email delivery is unavailable, you may choose to send a prepared email draft yourself. No medical records are needed here.
2. If you continue, a licensed affiliate explains the policy and premium details needed for review and obtains permission before considering health information.
3. If an actual offer is available, understand the amount, fees, and any ownership or beneficiary changes before deciding.
4. Choose whether to accept; a licensed affiliate handles regulated closing only if you decide to sell.

Taxes, public benefits, beneficiaries, and privacy may also matter. Read the independent NAIC consumer guide to learn more.

How much is my policy worth?

Use the one-step policy inquiry to share your contact details and general information about your coverage. This page does not calculate or display a dollar estimate. A policy's death benefit is not a settlement payout; any possible payment depends on a licensed review and an actual offer, if available. Our Time is a marketing company, and a licensed affiliate handles regulated activity.

Who can start here?

Policy owners, their families, and professionals can begin with a policy inquiry or read the frequently asked questions. The form collects contact and basic policy details, not medical records or an expected payout amount.

A question is a good place to start.

Use the short contact form to ask about a policy or request an email or phone reply. Policy inquiries and questions are emailed to Our Time only when delivery succeeds; otherwise, the page offers a draft you must send from your own email app.